life insurance companies with no medical exam

Life insurance policies do not always require a medical check. Discover the options available to you for fast, low-cost coverage that does not require a medical exam.

Only a small number of life insurance companies offer non-exam life insurance policies. One problem with these companies is their limited benefit ceiling. This means you will have to pay a lot more than what is available.

No whole or term insurance policies with medical exam coverage are available. The death benefits for whole life coverage are generally limited to $50,000 or lower -- this is tenfold less than what's typical for term life benefits. If an insurer doesn't offer coverage for medical exam with a higher benefit, it usually means that the medical test is dependent upon your answers to health question.

As you age, your requirements for life insurance changes. Your children will likely be older and have their own lives. They don't require your financial support. Other debts may have been paid off, like your mortgage. Many people over 50 see life insurance differently than they did in their 20s and 30s.

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Decide what kind of policy you need, how big your coverage should be, how long you need it for, and how much. This will help you to choose the right policy that is right for you and your family.